Offer
Offer
Welcome Offer: Get $60 cash back after you make your first purchase within the first 4 months!†
- Plus, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more†!
- Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†
- 2% cash back on eligible grocery purchases
- 1% cash back on eligible gas, transportation, dining purchases and recurring payments†
- 0.5% cash back on all other purchases†
- Ongoing Purchase APR: 20.99%†
- Cash Advance APR: 22.99% (21.99% QC only)
Get all the essentials for student life on a budget Qualifying students can get a free SPC+ registration, plus 450 deals on everyday purchases, deeper discounts, special experiences and exclusive gifts. Start banking with CIBC and make student life more rewarding.†
Fees & Conditions
Personal Income
$0
Household Income
$0
Annual Fee
$0
First Additional Card
$0
Foreign Transaction Fee
2.5%
Purchase Rates
20.99%
Cash Advance Rates
22.99%
Cash Advance Rate (QC)
21.99%
Value
Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP Lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value
Advantages
Welcome Bonus amount
$60 cash back
Minimum Spending Required
$1
Minimum Spending Timeframe (Months)
4 month(s)
Earnings
Per dollar of purchases
All Spending
0.5 %
Groceries
2 %
Gas
2 %
Dining and Food delivery
2 %
Convenience Stores
0.5 %
Drugstores
0.5 %
Local Transport
2 %
Travel
0.5 %
Entertainment
0.5 %
Recurring Payments
0.5 %
Telecom/Internet
0.5 %
Streaming services
0.5 %
Online transactions
0.5 %
Office Supplies
0.5 %
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
Legal
Legal
†Conditions Apply